https://www.citadele.lv/en/private/digital-bank

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Double online bonus
https://www.citadele.lv/en/private/digital-bank

Double online bonus

Apply online: save time and receive better offers

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  • Become a customer with X prime and gain a trustworthy partner for you and your family every day and on your travels. First siX months are free
  • Or choose X supreme, a card for convenient everyday finances, secure purchases, and travels. You can use the card for free for the first three months
  • BONUS - when you become a customer through the app, receive 2000 X REWARDS points* and exchange them for prizes like cinema tickets
View cards

Points will be awarded within 5 business days. To receive the points, you must register for the X REWARDS loyalty programme: xrewards.lv. Registration is free. Offer applies 30.05 to 31.07.2022.

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To reach your goals choose the most suitable loan type – consumer loan or solar panel loan.

  • Apply online, get the offer within 10 minutes and receive money in your account within a few minutes
  • BONUS – no agreement processing fee if you sign a loan agreement via mobile app 06.06-30.06.2022
Apply for a loan
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Apply for a mortgage loan for purchasing a home or building or renovating one, or for purchasing land to build on, with particularly great terms:

  • Fill in the application online, receive an offer within 24 hours, submit your documents and sign the agreements online
  • BONUS - when you buy a home from a new development, there is no agreement processing fee (offer applies 01.01-31.12.2022.)**
  • BONUS – for the first year of your mortgage contract, your pledged property is insured for free
  • BONUS – 10 % discount for the borrower's life insurance + 30 % discount for accident insurance (offer applies until 30.09.2022). Service provided by Citadele subsidiary AAS CBL Life.
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  • One payment for all your everyday business needs: opening and servicing an account, free EUR transfers in Latvia and Europe, a X business card, authorisation tools, and access to the Citadele Business Portal for data analysis and issuing electronic invoices
  • BONUS - become a customer remotely and use any of our payment plans with no commission fee for the first 6 months
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Become a customer remotely

Become a customer through the Citadele mobile app wherever and whenever is convenient

  • Takes just 7 minutes
  • Receive your card by post in 3 business days
  • You can use the bank’s digital services straight away
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Become a business customer remotely

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Time is money, so no one likes to spend time on things that can be done quickly. Fill out the application and the questionnaire remotely if you can represent your company alone. Become a customer in 20 minutes and enjoy the benefits of your business account in Citadele!

Become a customer

SEE OUR OTHER OPPORTUNITIES ONLINE

  • Purchase an environmentally-friendly electric car with a great rate from 1.49 %. Apply for an operating lease with a 0 % deposit***
  • Apply for a lease on better terms, becoming CL Insurance Broker customer
  • Fill in an application, obtain a lease, and keep up with your balance up to the final invoice with online repayment through the Citadele Leasing Portal
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  • Purchase an environmentally-friendly electric car with a great rate from 1.49 %. Apply for an operating lease with a 0 % deposit***
  • Apply for a lease on better terms, becoming CL Insurance Broker customer
  • When you apply online, receive an offer within one business day and sign the agreement online
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Apply for a loan of up to €20,000 to develop your business or for various needs. No need to use your property as collateral. Use when necessary.

  • Apply online, receive an answer within 30 minutes and sign the agreement online
  • After signing, the money will be in your business account within one business day
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  • Convert your Android phone into a card terminal with the Citadele Phone POS app. Accept payments anywhere, any time, with no need for an additional device. Install Citadele Phone POS fully remotely
  • If necessary, choose a different POS terminal from our range of devices, receive within 1 business day and use with no subscription fee for the first 6 months
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* Presuming the loan interest rate is 7.9 % per year, the total loan amount is 5000 EUR the loan agreement is for 48 months, the commission fee is 0 EUR, and the Annual Percentage Rate (APR) is 8.34 %, the total amount the customer would have to repay is 5861.76 EUR, and the monthly repayment amount is 122.12 EUR.
Example: if your interest rate is 5.9 % per year, your total loan amount is 5000 EUR, your loan term is 60 months, your commission fee is 0 EUR, your Annual Percentage Rate (APR) is 6.17 %, then the total to be repaid for the loan is 5799.60 EUR and the monthly repayment sum is 96.66 EUR.
** Example: If the sum of a loan secured with real estate is 80 000 EUR, the contract is for 30 years and the annual interest rate is 1.8 % + 6 months EURIBOR, then the monthly payment is 287.76  EUR (in total - 360 payments). APR 1.82 %. The total sum to be paid by the client (including repaying the loan, interest payment, commission fee 0 EUR, state fee for registering with the land registry of 0.1 % of the loan sum, is 103 673.60 EUR.
*** For example, buying an electric car for 25 000 EUR, the customer's first down payment 2500 EUR, i.e. 10 % of the purchase price, financing amount - 22 500 EUR. Leasing interest rate – 1,49 % per annum, the APR (annual percentage rate) – 2,2 %. Fee for execution of the contract - 375.00 EUR. The monthly lease payment with a 60-month repayment period is 389.37 EUR. The total amount to be paid in full term - 26 246.82 EUR. Calculating the APR, it is assumed that initially determined interest rate is fixed for the entire leasing (finance) the repayment period and the financing is repaid without delays. The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.